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Greetings, Jimmywood, and welcome. You wrote:

<<To minimize The amount MAD required, are there any pitfalls in establishing seperate rollover (from 401k) to individual IRAs with individual children as beneficaries? (Assumes adequate income for individual & spouse for everyday expenses) Example: Devide $300,000 into 3 seperate IRA with 1 each of 3 children as beneficary.>>

It's a great way to simplify administration for the heirs, but it will in no way change the amount you must take on reaching age 70 1/2 when minimum required distributions must commence. In this instance, there will always be a greater than 10-year difference between your age and the respective age of each beneficiary. Thus the factor to determine how much you must take from each IRA will be the same for all the IRAs. That's no different than if the money was all in one IRA with your kids as equal beneficiaries of the total. It does, though, make things easier for them when you die because they won't have to worry about the segregation of monies or the bureaucratic restrictions imposed by many IRA providers on how the money may be taken after your demise.

Regards..Pixy
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